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Patrons Bank, National Association
Okmulgee, OK · FDIC Certificate #4170 · Chartered 04/0
Total assets
$314.47M
Total deposits
$275.42M
Total equity
$29.82M
Net loans
$187.80M
Branches (offices)
5
Net income (YTD)
$1.65M
Rank: #2,398 of 4,213 U.S. banks by assets · #80 of 168 in Oklahoma. Assets changed 9.3% and deposits 7.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.08% |
| Return on equity | 11.10% |
| Net interest margin (YTD) | 4.26% |
| Equity to assets | 9.48% |
| Tier 1 leverage ratio | 10.77% |
| Uninsured deposits (share of deposits) | 27.2% |
| Noncurrent loans (share of loans) | 0.80% |
| Net charge-offs (share of loans) | -0.31% |
| Loans to deposits | 68.2% |
| Real estate loans (share of loans) | 83.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $156.21M | 83.2% | |
| Commercial & industrial | $21.14M | 11.3% | |
| Consumer / individual | $7.29M | 3.9% | |
| Construction & development | $24.38M | 13.0% | |
| Agricultural | $2.08M | 1.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $285.52M | $257.54M | $2.01M | $24.44M |
| Jun 2023 | $281.42M | $252.39M | $2.06M | $24.88M |
| Jun 2024 | $284.50M | $254.60M | $1.42M | $25.81M |
| Jun 2025 | $287.61M | $255.83M | $1.77M | $27.69M |
| Jun 2026 | $314.47M | $275.42M | $1.65M | $29.82M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Oklahoma | $275.42M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $275.42M.
Similar-sized banks
Community Bank ($315.48M) · Classic City Bank ($314.35M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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